If you have off premise coverage on your policy and the stolen items were scheduled on your homeowners insurance policy then Yes, you should be covered for those items. Contact your insurance agent for clarification of your insurance coverage.
I recommend you contact your insurance company, and inform them of the recovered goods
No. Auto insurance will only cover the vehicle and items that came installed standard on the vehicle. You can, however make a claim on your homeowners insurance for other items stolen from your vehicle. Homeowners insurance gives you coverage for items off premises up to 10% of your contents coverage on the policy. This is to cover situations like this, thefts or damage while on vacation, and even dependent children's items while in a dorm room. The biggest problem is that you will have a deductible for damage to the car and another deductible for the items stolen and covered on the homeowners policy.
No, Your home insurance policy is specific to the named insured(s) property and contents if covered.
generally yes. you would be covered for off premise theft. the claim would be subject to your deductible and depreciation. the depreciation could be recovered if you have full replacement on your policy for contents, once the items are replaced.
They would have to be stolen from your home. Then you get the money and buy it yourself.
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Some homeowners may pay for theft for those staying in their home. Many homeowners insurance policies cover theft inside the home and the policy can be used to replace stolen items.
I think that your insurance covers the items that were yours that were stolen, and the company's covers the car damage.
Homeowners Insurance policies typically have language that excludes coverage for cash, bullion, fine jewelry, furs and other luxury items that are not specifically scheduled for coverage. If you want it covered you have to schedule it and pay the additional premium for scheduled property.
Yes, you are correct. Items in your vehicle that are damaged in an accident or fire or whatever are not covered by you auto insurance unless they are part of your vehicle. The alternative is that they are covered on your homeowners insurance. The downfall to this is that you will have a deductible on your homeowners insurance that you will have to meet first.
The liability section of your homeowners insurance covers items that you are legally obligated to pay for injuries to other persons due to your negligence. It will also pay for legal fees to defend you if you are sued for such items.